Based on the users' reviews, here are three pros and cons of the "Kbia" app: **Pros:** 1. "Easy to use and navigate, great for tracking finances and expenses, very helpful." 2. "Constantly improving, customer support is top-notch, responds quickly to issues." 3. "Clean design, intuitive interface, makes monitoring budget simple and stress-free." **Cons:** 1. "Limited features, lacks investment tracking and alerts, wanting more customization options." 2. "Some bugs and glitches, occasionally freezes, need more stability and reliability." 3. "In-app purchases can be expensive, some features require paid upgrades, not user-friendly." Please note that these are general summary based on the reviews and may not reflect the opinions of all users. Additionally, the length of each item is limited to 15 words as requested.